| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL LIFE CYCLES INC Filed as: FINANCIAL LIFE CYCLES | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.85% |
| FINANCIAL LIFE CYCLES INC4 | 108 PACKERLAND DR STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.85% |
| FINANCIAL LIFE CYCLES INC4 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.36% |
| FINANCIAL LIFE CYCLE INC4 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.24% |
| FINANCIAL LIFE CYCLES INC4 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $895 | — | $895 | 4.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA HEALTH PLAN, INC EIN 61-1013183 SERVICE PROVIDER | Contract Administrator Service code 13 | 500 WEST MAIN STREET LOUISVILLE, KY 40202 | $831K |
| FINANCIAL LIFE CYCLES INC INSURANCE BROKER | Custodial (securities) Service code 19 | 108 PACKERLAND DRIVE STE D GREEN BAY, WI 54303 | $42K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 SERVICE PROVIDER | Contract Administrator Service code 13 | 2801 HOOVER RD PO BOX 828 STEVENS POINT, WI 54881 | $21K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $114K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $139K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.